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Critical illness insurance

Critical illness insurance is a supplemental insurance that covers
specific medical conditions like cancer, heart disease and stroke. It is
estimated that a majority of U.S. bankruptcies and home foreclosures can
be traced to a catastrophic medical event. The U.S. Department of Health
and Human services estimates that about 75% of those who were without
health insurance for more than six months and then covered by a
federally funded insurance plan were cancer patients.

Critical illness translates to tens of
thousands of dollars in lost income, uncovered
medical expense and other foreseen financial challenges. The
additional insurance benefits, paid directly to
you in cash to use as necessary, go a long way
toward addressing these additional expenses. Assurant
Emplpyee Benefits writes "Thirty years ago, the family of a victim of a heart attack or stroke was more likely to have to contend with the loss of a loved one. Now,
(according to
CDC mortality statistics) advances in medicine, prevention, improvement in early detection and other health care innovations have led to higher survival rates of these and other critical illnesses. With the improved survival rate from catastrophic illnesses often comes the necessity of continuing medical care and related expenses. Today,
the average cost of survival for a heart attack or stroke patient is $100,500
(according to American Heat Association, 2010). Unfortunately, many of these costs are not covered by standard medical insurance". Dr. Polly Galbraith
sums up the current situation saying “Higher survival rates should be celebrated, not the cause of added anxiety.”

Freedom Benefits offers critical illness
insurance coverage
underwritten by
Zurich American through Consumers Direct.
This association benefit plan is one of the few
critical illness policies available to consumers
outside of an employer-sponsored plan.

About the author - This Web page and related content is
written and periodically updated by consumer finance writer Tony Novak,
CPA, MBA, MT who is also a life and health insurance agent
in all 50 states and DC. Comments, questions, feedback and updates are welcome to help keep content relevant and up-to-date. Contact the author directly by e-mail, on Twitter or through the contact information included on his Web site. Article reprint rights as
well as specifically customized content may be
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Freedom Benefits is independently owned and operated by
Tony Novak operating
under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator".
Opinions expressed are the sole responsibility of the author and do not
represent the opinion of any other person, company or entity mentioned. Tony
Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but
may provide uncompensated advice, reviews and referrals to these official resources.
Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser,
producer, lead generator or referrer to some of the other commercial companies listed
on this site. Information is from sources believed to be reliable but cannot be guaranteed.